zach.homesRealty Hub 754-332-7529

Zach Curtis, REALTOR®, Realty Hub, license SL3664129 · 754-332-7529

$2,499,000831 NE 109th Street, Biscayne Park, FL 33161

5 bd · 5 ba · 3,888 sqft · On the market about 69 days · Active

Listing courtesy of Compass Florida, LLC · 305-851-2820 · BeachesMLS

Full disclosure: what this home really costs

8 of 12 answered from real sources. Anything not in the listing says so, and one tap asks Zach. Nothing here is guessed. Source: BeachesMLS listing, updated Oct 24, 2026, unless a row says otherwise.

Price
$2,499,000 · $643/sqft
Property taxes
$20,300/yr (2025 bill). A new owner's bill is reset from the sale price and is usually higher; Zach can pull the county estimate.
HOA / condo fee
Not listed - ask Zach
What the fee covers
Not listed - ask Zach
Special assessments
Not listed - ask Zach
Mandatory club / membership
Not required per the MLS
Insurance (estimate)
About $6,136/yr (homeowners policy, county average). Get a real quote before you offer.Florida OIR county average with wind, data as of Mar 31 2026
Flood zone
Not listed - ask Zach
Monthly payment (estimate)
$16,778/mo: $12,309 loan + $3,957 tax + $511 insurance. 20% down, 6.25% rate, 30 years. Change the numberszach.homes calculator (not a loan offer)
Year built
1947 · 2 stories
Days on market
About 69 days
Price history (this listing)
Listed Aug 20, 2026.
831 NE 109th Street, Biscayne Park, FL 33161, photo 1 of 12831 NE 109th Street, Biscayne Park, FL 33161, photo 2 of 12831 NE 109th Street, Biscayne Park, FL 33161, photo 3 of 12831 NE 109th Street, Biscayne Park, FL 33161, photo 4 of 12831 NE 109th Street, Biscayne Park, FL 33161, photo 5 of 12831 NE 109th Street, Biscayne Park, FL 33161, photo 6 of 12831 NE 109th Street, Biscayne Park, FL 33161, photo 7 of 12831 NE 109th Street, Biscayne Park, FL 33161, photo 8 of 12831 NE 109th Street, Biscayne Park, FL 33161, photo 9 of 12831 NE 109th Street, Biscayne Park, FL 33161, photo 10 of 12831 NE 109th Street, Biscayne Park, FL 33161, photo 11 of 12831 NE 109th Street, Biscayne Park, FL 33161, photo 12 of 12

Details

  • TypeHouse
  • Beds5 bd
  • Baths5
  • Size3,888 sqft
  • Year built1947
  • PoolPrivate
  • ViewGarden
  • NeighborhoodAMD PL GRIFFING BISCAYNE
  • ZIP33161
  • MLS #A12064411
  • To the beachAbout 3.8 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)

Check your commute (opens maps)

From the listing

Modern, move-in-ready, situated on an oversized 13,225 sqft corner lot in desirable Biscayne Park. Spacious 5-bedroom, 5-bath residence offers an exceptional combination of comfort & versatility, plenty of room forentertaining, working from home, & living. The fully fenced backyard creates your own private retreat, featuring aresort-like pool, covered patio, outdoor kitchen, & cabana bath and outdoor turf—perfect for pool parties, soccer games, ping-pong, just enjoying Miami’s year-round outdoor lifestyle. The well-designed floor plan features four bedrooms on the first level, while the second floor is dedicated to an oversized private primary suite. A spa-like bathroom with a soaking tub, separate shower, generous walk-in closet, & additional space ideal for a home office, nursery, or fitness space. Multiple living areas provide plenty of flexibility, including a formal living room, a family/dining room, & an eat-in kitchen with storage. Features include impact windows, updated plumbing & electrical systems, natural gas, a whole-house generator, tons of storage, & a separate workshop that offers the potential to be converted into guest or staff quarters. Conveniently located near popular restaurants, parks, gyms, & MANY sought-after private schools, including Miami Country Day School, St. Rose of Lima Catholic School, Montessori School, & The Cushman School. Priced at under $700 per square foot, Don’t miss the opportunity to make this Biscayne Park oasis your own.

Virtual tour

Monthly payment calculator

Estimate, not a loan offer. Tax default: the higher of the seller's bill and about 1.9% of price (Florida resets a new owner's assessment). Insurance default: Florida OIR county average with wind, data as of Mar 31 2026. Rate is an assumption; your lender sets the real one. Zach doesn't take lender or title referral fees.

Estimate closing costs for this home

Florida risk facts

Flood zone
Not checked yet. Look it up on FEMA's map or ask Zach.
Wind and building code
Built in 1947, before the statewide Florida Building Code took effect in 2002. Ask for the wind mitigation report; it can lower insurance. My Safe Florida Home offers free inspections and grants when funded.
Disclosure
Florida sellers must give you a flood disclosure about known flood damage, insurance claims and federal assistance (§689.302).

We don't show crime scores or rate neighborhoods. Every listing is open to everyone.

Start an offer

  1. Pre-approval letter or proof of funds (cash)
  2. The price you'd offer and your deposit
  3. Financing type and closing date
  4. Inspection period you want (often 10-15 days)
  5. A signed buyer agreement with Zach (Florida practice before touring or offering)

Rather not check the box? That's fine. Zach will call or email instead.

Zach replies personally within 15 minutes, 8 AM to 9 PM ET, 7 days. Outside those hours, by 9 AM. Your info goes to Zach only. Never sold, never shared. You choose how he reaches you, and STOP always works.

Nothing here is a binding offer. Zach calls you, checks the comps and writes the contract with you.

Tour 831 NE 109th Street, Biscayne Park, FL 33161

Pick a time; same-day tours when the listing side allows. Zach confirms with the listing agent and texts you. Before a buyer tour Zach sends a short, plain-language buyer agreement to sign.

Pick a day

Same-day: 21 times left today, soonest 9:00 AM.

Rather not check the box? That's fine. Zach will call or email instead.

Zach replies personally within 15 minutes, 8 AM to 9 PM ET, 7 days. Outside those hours, by 9 AM. Your info goes to Zach only. Never sold, never shared. You choose how he reaches you, and STOP always works.

Ask Zach anything

One tap opens a text with this address filled in.

Is it still available?What's the HOA really?Can I see it today?What would you offer?

Zach replies personally within 15 minutes, 8 AM to 9 PM ET, 7 days. Outside those hours, by 9 AM.

From finding it to the keys, one agent

  1. Find it
    Every home for sale and rent from the MLS, with the real monthly cost. Or tell Zach what you want and he looks for you.
  2. Tour it
    Same day when the listing side allows, in person or live video.
  3. Afford it
    Real Florida costs up front: taxes, HOA, insurance, flood zone, assessments. Buyers: pre-approval with a lender you choose. Renters: your renter résumé and documents in one place.
  4. Make the offer or apply
    Zach writes the offer or the application, negotiates, and handles the association approval.
  5. Close or get the keys
    Zach tracks every deadline through inspections, condo documents and closing or lease signing, then stays your agent after.

Report a problem with this listing

Wrong price, already sold, wrong photos, or something that looks like a scam copy? This goes straight to Zach, who fixes or escalates it within 2 business days.

Never send a deposit by Zelle, Cash App, wire or crypto, and never before you've seen the home with a licensed agent.

Chat with Zach

Zach typically replies within 15 minutes, 8 AM to 9 PM ET. After hours, by 9 AM.

Your messages go to Zach only. Reply STOP anytime and he won't follow up again.

Similar homes in Biscayne Park

Listing courtesy of Compass Florida, LLC · 305-851-2820 · BeachesMLS

All listings featuring the BMLS logo are provided by BeachesMLS, Inc. This information is not verified for authenticity or accuracy and is not guaranteed. Copyright ©2026 BeachesMLS, Inc. Listing data last updated Oct 27, 2026, 4:51 PM ET. Listing information is deemed reliable but not guaranteed. zach.homes estimates and Zach's notes are shown separately from MLS data and labeled with their source.

Text ZachCallTour